A convenient checking account with flexible methods to avoid a monthly service charge

If:

How to avoid a monthly service charge:

Have at least 1 qualifying direct deposit per monthly service charge cycle5, or Make 10 or more debit card purchases or payments per monthly service charge cycle, or Keep an average balance of $500 or more throughout your monthly service charge cycle.

Effective 1/17/2013, your total direct deposits in a monthly service charge cycle must equal $200 or more.

The bonus differs depending on the zip code entered. I entered three and two had a $75 bonus and one had no bonus at all.

AugustFour

Senior Member - 2K

posted: Feb. 19, 2013 @ 10:42a

What about Direct Deposit qualification? Must be only payroll, pension, etc., or bank to bank ACH is OK?

misterspaghetti

Senior Member

posted: Feb. 19, 2013 @ 10:49a

Doesn't look like there are any restrictions in terms of "accounts closed in last ... are not eligible"

debentureboy

Addicted Member

posted: Feb. 19, 2013 @ 8:33p

Applied, got routed through review

Maybe because I have 10 new accounts in the last year? Maybe because I just moved in to an eligible state? Maybe because I just got $100 from the bank next door? I'll let you know.

DB

AugustFour

Senior Member - 2K

posted: Feb. 19, 2013 @ 9:29p

debentureboy said: Applied, got routed through review

Maybe because I have 10 new accounts in the last year? Maybe because I just moved in to an eligible state? Maybe because I just got $100 from the bank next door? I'll let you know.

DBwere you planning to do bank to bank ach direct deposits?

debentureboy

Addicted Member

posted: Feb. 19, 2013 @ 10:42p

My employer allows up to 6 DDs. I do some accounts with real DD and some with ACH transfers between banks. I generally try ACH push first. If it works great, if not I add it to my DD list. It's all done online, so no one at corporate HQ has ever been on my case about all my DD switches. It is a large employer, so I figure I'm lost in the weeds as far as they go.

debentureboy said: My employer allows up to 6 DDs. I do some accounts with real DD and some with ACH transfers between banks. I generally try ACH push first. If it works great, if not I add it to my DD list. It's all done online, so no one at corporate HQ has ever been on my case about all my DD switches. It is a large employer, so I figure I'm lost in the weeds as far as they go.

lol did they have that rule before you came along, or did you cause them to enact a 6 dd limit

nwill002

Senior Member

posted: Feb. 20, 2013 @ 10:54a

on a side note did anyone get a 1099 for last year's bonus?

nwill002

Senior Member

posted: Feb. 20, 2013 @ 10:55a

AugustFour said: What about Direct Deposit qualification? Must be only payroll, pension, etc., or bank to bank ACH is OK?ive done a $10 ach from alliant and it works

gloreglabert

Senior Member

posted: Feb. 20, 2013 @ 11:06a

nwill002 said: on a side note did anyone get a 1099 for last year's bonus?Yes.

iceberq

Member

posted: Feb. 20, 2013 @ 11:50a

What about using Square to qualify for direct deposit? Anybody tried that?

nwill002

Senior Member

posted: Feb. 21, 2013 @ 6:39p

gloreglabert said: nwill002 said: on a side note did anyone get a 1099 for last year's bonus?Yes.thanks... i didnt get one and forgot to include it in my taxes

Silverthunder

Senior Member

posted: Feb. 21, 2013 @ 7:53p

misterspaghetti said: Doesn't look like there are any restrictions in terms of "accounts closed in last ... are not eligible"

that's great because I closed my account with them like 2 months ago.

Silverthunder

Senior Member

posted: Feb. 21, 2013 @ 7:55p

Does anyone know whether it's a hard pull?

MidnightLight

Senior Member

posted: Feb. 21, 2013 @ 10:56p

nwill002 said: on a side note did anyone get a 1099 for last year's bonus?Yup, got a 1099-INT in the mail for last year's M&T account opening bonus.

Previous experience indicates that they only do a soft pull, but of course there's a small chance they may have changed their process this year.

Silverthunder

Senior Member

posted: Feb. 23, 2013 @ 3:26a

thanks, last year's thread is a great reference

s3riously

Senior Member

posted: Mar. 1, 2013 @ 10:12a

Alliant ACH push doesn't seem to be triggering the bonus as it has in the past. Has anyone gotten the bonus with ACH push yet? And if so, which bank did you push from?

misterspaghetti

Senior Member

posted: Mar. 2, 2013 @ 3:20p

In for one!

emgeecee

Nerdy Member

posted: Mar. 2, 2013 @ 3:43p

Is there a promo code for this? They ask for one in the application process.

misterspaghetti

Senior Member

posted: Mar. 2, 2013 @ 4:06p

emgeecee said: Is there a promo code for this? They ask for one in the application process.

I don't think so. I didn't use one.

Silverthunder

Senior Member

posted: Mar. 3, 2013 @ 11:59p

I emailed M&T from the secured message center (I have 1 credit card with them). They told me that I am not eligible for the bonus because of the zip code that I am located in. When I click on the OP's link and enter my zip code, account packages do pop up but no mention of the $100 bonus (on the page where it's listing out the different types of accounts).

BBPlaya13

Member

posted: Apr. 6, 2013 @ 5:28p

mjoply said: The bonus differs depending on the zip code entered. I entered three and two had a $75 bonus and one had no bonus at all.

Where were you able to see what offer was extended to each zip code? Did you have to open one for each?

misterspaghetti

Senior Member

posted: May. 25, 2013 @ 1:09p

Got the bonus just fine. Has anyone closed their account yet? Is there an early account closure fee?

emgeecee

Nerdy Member

posted: Jun. 22, 2013 @ 10:43a

I sent M and T a message about not having received the bonus yet, and they said I opened the account in the NYC region, and the bonus is for:

Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.

Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.

FatWallet coupons help you save more when shopping online. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location.

Forums
As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums. Forum content is generated by consumers for consumers. Share deals, money-saving tips, and more. It's FREE, fun, and addicting.

Support
Our customer experience team is here around the clock - real people ready to assist.